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What if credit card debt isn’t what it seems and freedom from it starts with changing your mindset, not your payment plan?
In this powerful episode of Manders Mindset, Amanda Russo is joined by Tommy Kilpatrick, a reflexologist, former CPA, and self-described “wonderful healer” to explore the hidden truths behind credit card debt and the financial systems most people never question.
After being promised an infomercial deal that fell through, Tommy was left with $85,000 in credit card debt. But instead of drowning in it, he turned to his background in accounting and discovered what he calls the greatest financial misconception of our time: that credit card “debt” isn’t debt at all, it's an alleged liability built on flawed contracts and banking fraud.
This conversation goes far beyond dollars and cents. Tommy shares stories of his early life, spiritual awakening, and mission to bring peace, healing, and freedom to others through sustainable living, dome-building, and mindset work. A blend of financial wisdom, soulful storytelling, and practical tools, this episode is a must-listen for anyone feeling stuck in financial stress or looking for a different path forward.
🎙️ In this episode, listeners will discover:
💳 Why most credit card “debt” is technically an alleged liability
📉 How banks create money and why it matters
🧠 Why language, mindset, and consent shape your financial reality
🛠️ The practical steps to dispute and close alleged credit accounts
🌿 How Tommy built a life of peace, purpose, and zero debt in the Philippines
🏠 His vision for the “Free Revolution”... housing, food, and healthcare for all
🔋 The connection between energy healing and financial empowerment
⏰ Timeline Summary:
[2:11] – Tommy explains his body, mind, and soul identities
[8:45] – A visualization method to discover one's soul name
[15:12] – Stories from Tommy’s youth: diving, entrepreneurship, and independence
[24:06] – Working in mental health and connecting with autistic children
[32:19] – Transitioning into accounting and witnessing corporate finance from the inside
[40:08] – The infomercial collapse that sparked $85K in credit card debt
[52:30] – Breaking down why most credit card accounts are fraudulent
[1:09:01] – How banks operate and why terms like “statement” vs. “invoice” matter
[1:21:20] – Living off-grid, finding peace in the Philippines, and building dome homes
[1:31:15] – Tommy’s final words on mindset, motivation, and what really matters
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